I 摘要 当前互联网金融迅猛发展，越来越多的商业银行在巩固其大行业、大客户方 面的传统优势同时，开始进行面向大众、面向小微的经营战略调整。HD银行积 极适应互联网发展趋势，运用大数据思维打造契合小微企业融资特征及要求的互 联网金融信贷产品——“小微快贷”。HD银行自小微快贷业务开办以来，贷款 余额和客户数迅速增长，业务发展势头良好，然而从实践经验来看，还不能有效 满足小微快贷产品的风险管控需求，在信贷风险的有效管控方面依然存在诸多亟 待完善之处。 本文以HD银行小微快贷产品为研究对象，综合运用文献分析法、实证分析 法和系统分析法，对小微快贷产品的信贷风险管控开展研究。在梳理国内外小微 企业信贷风险管理研究的基础上，结合信息不对称、大数据、区块链及全面风险 管理等小微企业信贷风险管理相关理论，对当前HD银行小微快贷风险管控现状 进行阐述，进而发掘出小微快贷产品风险管控存在客户信息数据获取及应用不 足、业务流程未落实合规操作、内部管理弱化及外部贷款中介潜在危害等问题， 最后从提高数据获取及分析能力，规范业务流程操作，强化内部管理和防范外部 贷款中介潜在危害影响的角度，提出了HD银行小微快贷信贷风险管控的建议。 通过对小微快贷产品信贷风险管控的研究，以期进一步提升小微快贷产品信 贷风险管控水平，有效管控业务风险，不断增强小微快贷产品的市场竞争力，同 时也对业内同质化产品的风险管控提供有益经验借鉴。 关键词：小微快贷；信贷风险；管控 Abstract II Abstract With the rapid development of Internet finance, more and more commercial banks begin to adjust their business strategies for the public and small and micro enterprises while consolidating their traditional advantages in large industries and large customers. HD bank actively adapts to the development trend of the Internet, and uses big data thinking to create an internet financial credit product - "small, micro and fast loan" that fits the financing characteristics and requirements of small and micro enterprises. Since the inception of HD Bank's small and micro fast loan business, the loan balance and the number of customers have grown rapidly and the business has developed in a good momentum. However, according to practical experience, it has not been able to effectively meet the demand for risk control of small and micro fast loan products, and there are still many areas to be improved in the effective control of credit risks. This paper takes HD Bank's small-micro fast-lending products as the research object and comprehensively uses literature analysis, empirical analysis and system analysis to study the credit risk control of small-micro fast-lending products. In combing small micro enterprise credit risk management research at home and abroad on the basis of the combination of information asymmetry, big data, chain blocks, and the comprehensive risk management, and other small micro enterprise credit risk management related theory, the current HD bank small fast elaborates the present situation of controlling credit risk, and unearthed small fast loan product risk control customer information data acquisition and application of deficiencies of compliance, internal management, business process, did not fulfil to weaken, and the problem of potentially harmful external credit intermediary finally from the data acquisition and analysis ability, standardize business process operations, strengthen internal management and external credit intermediary to prevent potential harmful effects of Angle, Suggestions on credit risk control of HD Bank Xiaowei Quickloan are put forward. Through the research on the credit risk management and control of small and micro fast loan products, we hope to further improve the credit risk management and control level of small and micro fast loan products, effectively prevent and control Abstract III business risks, and constantly enhance the market competitiveness of small and micro fast loan products, as well as provide useful experience for the risk management and control of homogeneous products in the industry. Keywords: small and micro fast loan; credit risk; management and control 目 录 I 目 录 摘要............................................................................................................................ I Abstract ......................................................................................................................... II 第1章 绪论.................................................................................................................. 1 1.1 研究背景及意义.............................................................................................. 1 1.1.1 研究背景................................................................................................ 1 1.1.2 研究意义................................................................................................ 2 1.2 国内外研究现状.............................................................................................. 2 1.2.1 关于小微企业融资的研究.................................................................... 3 1.2.2 关于小微企业信贷风险原因的研究.................................................... 4 1.2.3 关于互联网大数据背景下小微企业信贷风险管控研究.................... 5 1.2.4 评述........................................................................................................ 7 1.3 研究内容与方法.............................................................................................. 8 1.3.1 研究内容................................................................................................ 8 1.3.2 研究方法................................................................................................ 9 1.3.3 技术路线................................................................................................ 9 1.4 创新之处........................................................................................................ 10 第2章 理论基础........................................................................................................ 11 2.1 信息不对称理论............................................................................................ 11 2.1.1 对形成信贷风险的影响...................................................................... 11 2.1.2 消除信贷风险管理中信息不对称...................................................... 11 2.2 大数据理论.................................................................................................... 12 2.2.1 银行业互联网大数据信贷产品.......................................................... 12 2.2.2 银行业互联网大数据信贷产品特征.................................................. 12 2.3 区块链理论.................................................................................................... 13 2.3.1 区块链特征.......................................................................................... 13 2.3.2 区块链理论在信贷风险管控中的应用.............................................. 13 2.4 全面风险管理理论........................................................................................ 14 2.4.1 全面风险管理理论的原则.................................................................. 14 2.4.2 全面风险管理理论在信贷风险管控中的应用.................................. 14 2.5 本章小结........................................................................................................ 14 目 录 II 第3章 HD银行小微快贷产品风险管控现状 ......................................................... 15 3.1 HD银行小微企业划分及信贷管理模式 ...................................................... 15 3.1.1 HD银行小微企业的划分 .................................................................... 15 3.1.2 HD银行小微企业信贷管理模式 ........................................................ 16 3.2 HD银行小微快贷产品介绍 .......................................................................... 17 3.2.1 HD银行小微企业信贷产品产生背景 ................................................ 17 3.2.2 HD银行小微企业信贷产品业务范围 ................................................ 17 3.2.3 HD银行小微快贷产品业务原则 ........................................................ 18 3.2.4 HD银行小微快贷产品基本条件 ....